20.500.12556/DKUM-97729 Vpliv zavarovalniškega sektorja na gospodarsko aktivnost The impact of the insurance sector on economic activity Diplomsko delo obravnava vpliv zavarovalniškega sektorja na gospodarsko aktivnost ter pojasnjuje funkcije, vrste zavarovalnih produktov in indikatorje, ki so povezani pri preučevanju zavarovalniškega sektorja. V ospredju sta zavarovalna gostota in zavarovalna penetracija. Poudarek je na preučevanju razlik v vplivu zavarovalniškega sektorja na skupine držav, ki so prikazane s hipotezami na podlagi Grangerjevega testa vzročnosti. Zajete so skupine držav Evropske unije, OECD, BRICS, ASEAN in določene afriške države. Dodatno so obravnavane razlike med razvitimi in razvijajočimi se skupinami držav ter med življenjskimi in premoženjskimi zavarovanji. Ugotovitve kažejo, da je zavarovalniški sektor v večini obravnavanih primerov pozitivno povezan z gospodarsko aktivnostjo, vendar vpliv ni enoten v vseh obravnavanih državah. V razvijajočih se državah je praviloma izrazitejši, medtem ko se v razvitih državah pogosteje kažeta zasičenost trga in bolj komplementarna vloga zavarovalništva ob že razvitem finančnem sektorju. Ugotovljeno je bilo tudi, da imajo premoženjska zavarovanja večji vpliv v primerjavi z življenjskimi zavarovanji, njihova rast pa je stabilnejša in konstantna, medtem ko življenjska zavarovanja kažejo večja nihanja skozi opazovana leta. The thesis examines the impact of the insurance sector on economic activity and explains the functions, types of insurance products, and the indicators used in analysing the insurance sector. The analysis focuses on insurance density and insurance penetration. Particular emphasis is placed on examining the differences in the insurance sector's impact across groups of countries, which is presented through hypotheses based on the Granger causality test. The study covers the European Union, OECD, BRICS and ASEAN country groups, as well as selected African countries. In addition, differences between developed and developing country groups and between life and non-life insurance are analysed. The findings indicate that, in most of the cases considered, the insurance sector is positively associated with economic activity; however, the impact is not uniform across all countries analysed. In developing countries, the impact is generally more pronounced, whereas in developed countries market saturation and a more complementary role of insurance alongside an already developed financial sector are more often observed. It was also found that non-life insurance has a stronger impact than life insurance; non-life insurance growth is more stable and consistent, while life insurance exhibits greater fluctuations over the observed years. Zavarovalniški sektor življenjska zavarovanja premoženjska zavarovanja zavarovalna gostota zavarovalna penetracija Grangerjeva vzročnost Insurance sector life insurance non-life insurance insurance density insurance penetration Granger causality true true false S. Kokol Vuksanović] Slovenski jezik Angleški jezik Diplomsko delo/naloga 2026-04-08 10:32:29 2026-06-18 09:37:40 2026-06-19 03:07:32 0000-00-00 00:00:00 2026 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 368:330.3 282042627 UN_Kokol_Vuksanovic_Sven_2026.pdf UN_Kokol_Vuksanovic_Sven_2026.pdf 1 F4D5A620B9F7F9C9767FCD636097695B 96e4332353987501205c01cd497590ec231a7e8bcc5f10cadcb91652641d8605 bc2f309d-6026-11f1-86e5-00155d580e34 https://dk.um.si/Dokument.php?lang=slv&id=206753 Ekonomsko-poslovna fakulteta 0 0 0